Each home insurance policy is different, but standard policies usually provide; Broad coverage for damage to your house and any permanent structures on your property (unless the cause of the damage is specifically excluded in your policy.) For Pacific coastal homeowners, coverage for storm damage is important, you can speculate when was the last time we we're hit by a major storm? It's not if, but when.
Homeowners coverage also can include damage to your personal property due to causes specified in your policy. Limited or itemized coverage is available for items like stolen jewelry. Coverage amounts in general vary depending on your state of residence. Additional coverage for valuable items such as artwork or your custom surfboard collection which can be purchased through endorsements to your homeowners policy.